IP #119: Student Loan Forgiveness Tax-Free Window Ended Jan 1, 2026

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In this episode of Investor’s Playbook, we’re breaking down a major change that’s catching a lot of borrowers off guard. The tax-free window for student loan forgiveness officially ended on January 1, 2026, and that means forgiven debt may now be treated as taxable income again.

We explain what that shift really means, who it impacts the most, and how it could affect your financial plans if you’re expecting loan forgiveness in the future. From Public Service Loan Forgiveness to income-driven repayment plans, we walk through how taxes now come back into the picture and what borrowers should be thinking about going forward.

If student loans are part of your financial story, this episode will help you understand what changed, why it matters, and how to protect yourself from an unexpected tax bill.

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